§ Calculator · Investment
Recovery from a loss
What this is
Lost 35%? You don't need 35% to recover. You need 53.8%.
Losses and gains are asymmetric: a 20% loss requires a 25% gain to return to original. A 50% loss requires 100%. A 75% loss requires 300%. Useful framing for understanding why sequence-of-returns risk matters during retirement.
Current value
$325,000
Gain required
53.8%
Years to break even
6.4 yr
Compound math: gain required = 1/(1−loss) − 1. Years to recover = log(original/current) / log(1+annual return).
Disclaimer
Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting.